Free Business Credit Score
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funded since 2006
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Why is it important to know your business credit score?
Your business credit score is more than just a number. Understanding it can help you see where your business stands and plan your next steps with greater confidence. Whether you are preparing for growth, exploring financing options, or staying proactive, knowing your score offers insight into your business’s overall financial health.
Understanding your score can help you:
Secure business funding.
A strong business credit score may improve your ability to qualify for financing options such as term loans or business lines of credit.
Lower your insurance premiums
Some insurers factor business credit into their pricing. Maintaining a solid score may help reduce insurance premiums over time.
Access better terms from vendors.
A higher score can lead to more favorable payment terms, higher credit limits, or lower rates from suppliers, helping improve cash flow and reduce costs.
Detect fraud.
Regularly monitoring your credit profile can help you identify errors, outdated information, or suspicious activity early.
What is a good business credit score?
A business credit score reflects your company’s overall credit profile. It helps lenders, vendors, and potential partners assess your business’s financial stability and its ability to meet payment obligations.
In most cases, your business credit score is separate from your personal credit history. One exception is the FICO® Small Business Scoring Service, which may consider both. For other business credit bureaus, only accounts opened under your business name typically impact your score. Factors that can influence your business credit score include payment history, how much available credit you use, public records, and certain business details such as company size and time in operation.
Business Credit Scores FAQs
What is a business credit score?
A business credit score is a measure of a company’s creditworthiness. It helps lenders, suppliers, and partners evaluate a business’s financial health and its ability to meet payment obligations.
How do business credit scores work?
Business credit scores are created by credit bureaus based on information tied to the business itself. Common factors include payment history, credit utilization, length of credit history, public records, and company size. Most business credit scores are separate from the owner’s personal credit.
Will checking my business credit score affect it?
No. Checking a business credit score is typically considered a soft inquiry and does not negatively impact the score.
What’s the difference between a personal and business credit score?
A personal credit score reflects an individual’s financial behavior, while a business credit score reflects the financial activity of a company. Business credit scores are usually linked only to accounts in the business’s name, though some lenders may review personal credit as well.
Can I use my business credit score to get business funding?
Yes. Lenders often use business credit scores to determine eligibility, loan terms, and interest rates for business financing.
How do I improve my business credit score?
Business credit scores can be improved by paying bills on time, maintaining low credit utilization, establishing credit accounts in the business’s name, monitoring reports for accuracy, and resolving any outstanding issues or errors.